SAFE & SOUND® STAR RATINGS

Financial statement

BAILEYVILLE STATE BANK
611 NORTH 2ND
SENECA, Kansas 66538

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 998750




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$40,585$40,184$38,547
Loans Receivable, Net21,59121,63020,448
Mortgage-Backed Securities5,2465,0013,472
Investments10,31511,49213,026
Deposits35,71232,43932,105
Borrowings1,4054,4882,427
Equity3,3623,1943,684
Net Interest Income2891,1521,270
Fee Income155648
Overhead2621,0451,041
Net Operating Income38150269
Net Income35144256
Ratio Analysis Profitability%%%
Return on Assets *0.300.370.67
Operating Return on Assets *0.320.390.70
Return on Equity *3.624.297.20
Net Interest Margin *3.043.093.44
Fee Income / Assets *0.140.140.13
Overhead / Assets *2.682.692.71
Efficiency Ratio85.6285.8779.77
Asset Quality%%%
Nonperforming Assets / Assets1.301.091.77
Nonperforming Assets / Equity & Loss Reserves14.6312.8116.98
Loss Reserves / Nonperforming Loans168.67383.0550.44
1-4 Fam Mtg + MBS / Assets25.8725.6522.35
Commercial Real Estate Loans / Assets2.222.001.42
Construction Loans / Assets3.314.354.31
Commercial & Industrial Loans / Assets9.5010.039.19
Consumer Loans / Assets2.522.152.71
Capitalization%%%
Equity / Assets8.287.959.56
Tangible Capital / Tangible Assets8.287.959.56
Risk-based Capital Ratio14.9515.1615.75
Liquidity%%%
Loans / Deposits60.4666.6863.69
Non-Interest Bearing Deposits / Deposits12.4812.3412.71
Purchased Liabilities4.7612.427.18

* Calculations are based on the latest four quarters of income and expense.
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